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A new regional breakdown of RebuildCostASSESSMENT.com’s latest data has revealed just how unevenly inaccurate building insurance is spread across the UK, with Wales , the North West  and Northern Ireland  emerging as some of the areas most exposed to underinsurance . Based on the latest RCA analysis, 70% of properties in the UK are underinsured overall , while 23% are overinsured . That leaves only a small minority covered for the right amount, reinforcing the scale of the ch

Commercial properties across the UK face a growing risk of underinsurance in 2026 as rebuild costs and compliance requirements continue to change. Rising rebuild costs, regulatory change and more complex rebuilding requirements can leave even well-managed portfolios underinsured if sums insured  are not kept up to date. “Commercial reinstatement is inherently more complicated than domestic rebuilding,” said Gautham Rajendar, Technical Lead for Commercial Properties at...

Materials inflation has eased. Labour costs remain elevated and that is where reinstatement values can shift most quickly. Recent government data  shows materials price growth easing, with the “All Work” materials index rose 3,3% in the year to December 2025. However, construction earnings data and insurer commentary continue to highlight labour shortages and sustained pay growth. Where skilled trades are constrained, repair and reinstatement costs can remain under pressure.

If you’ve ever seen “desktop” and “site” rebuild cost assessments and thought, “Right… but what’s the actual difference — and does it matter?” you’re not alone. It’s one of the questions we’re most often asked by people coming to us for the first time. And the honest answer is: both options can be the right one – it just depends on the building, the level of complexity, and what you need the valuation to stand up to. What do “desktop” and “site” actually mean? A desktop rebu

Renewal season is approaching, and for many property owners, that means one crucial question: does your current sum insured still reflect today’s rebuild cost? In 2026, the answer is often “no.” With rebuild costs still rising and insurers tightening their focus on valuation accuracy, renewal reviews are now essential to avoiding both underinsurance and unnecessary premium spend. To understand the scale of inaccurate property insurance in the UK, take a look at our latest inf

Construction costs across the UK remain high as we enter winter 2026. While inflation has slowed in the broader economy, rebuild costs continue to rise – driven by elevated labour rates, material inputs, and regulatory pressures. For property owners and insurance professionals, this means one thing: regular, data-driven review of sums insured is more critical than ever. Rebuild costs still rising “While the headline rate might look moderate, the detail tells a different story

Eviction is becoming slower and more costly. With Section 21 ending under the Renters’ Rights Bill, landlords now face longer court delays and higher legal fees when a tenant stops paying rent. Protecting rental income is more important than ever. Three types of cover support this: Rent Guarantee Insurance  – protects you when a tenant does not pay Landlord Legal Expenses Insurance  – covers the legal cost of eviction Loss of Rent Insurance  – replaces income when the propert

Thatched properties are some of the most beautiful homes in the UK, full of history, character, and craftsmanship. But they’re also among the most complex when it comes to insurance. Because every thatched home is unique, estimating what it would cost to rebuild can be difficult. If your building's insurance hasn’t been reviewed for a while, there’s a real risk it no longer reflects the true rebuild cost.   Why thatched homes need special attention We’ve assessed thousands of

The Renters’ Rights Act 2025, which received Royal Assent on 27 October, marks the biggest overhaul of England’s private rental sector in a generation. While much of the attention has centred on tenant protections and the end of “no-fault” evictions, the law could also reshape the financial landscape for landlords and insurers, particularly when it comes to rebuild costs. Higher property standards, higher rebuild values A major shift lies in the extension of the Decent Homes

Landlord insurance quotes in the UK can vary a lot – not only in price, but in what they actually cover. Before you compare policies or look for the lowest premium, it helps to understand what drives those costs and how to make a fair comparison. A key factor is your property’s rebuild cost – the amount every insurer uses to set your premium. If that figure is wrong, the rest of your cover can quickly fall apart. Recent data  from over 43,000 assessments by RebuildCostASSESSM